Had 9 years no claims

DGJsaver

now none....

Hello

I sold my car as my wife and i couldnt afford two cars once the babies turned up , now we have been forced to move a year after i sold my car and i will again need a car to commute 6 miles a day...., i did have 9 years no claims with Admiral , but now , i guess i have none ??

The quotes for me as a 35 year old male , on a 1.2l ford KA over a grand....with no , no claims
can anyone advise , are they gone for good?

Cheers

Sgt_Pepper_2

So how long has it been.

Most allow two years some three.

DGJsaver

Hi , i sold my car just over a year ago , about 13 months.....do i just try to dig out my no claims proof on my last renewal and use that ?

Quentin

Yes .

DGJsaver

OK , thanks Quentin

mkirkby

DGJsaver wrote: »

Hi , i sold my car just over a year ago , about 13 months.....do i just try to dig out my no claims proof on my last renewal and use that ?

Or if you can't find that, give your old insurer a ring and ask them to provide you with proof of your no claims bonus. They have to do that if you ask them to

londonTiger

might be worth givig admiral a call, even though the no claims has expired, they may be able to help you out given your history

Lum

For future reference, if you both have full no-claims and you switch back from two to one car again at some point in the future; what you should do is insure the car in your name one year (using your existing NCB) then insure the car in your partner's name the next year (using her existing NCB from a year ago) and then keep swapping over like that.

This keeps both NCBs alive for as long as you only have one car, provides an insurance policy against one of you losing your NCB and means if your situation changes again and you need two cars again, you both have NCB available.

dacouch

It's best to check with the Insurers they will accept the no claims bonus as there are a small amount who won't. Last time I looked Allianz would only accept ncd which was 12 months old.

Hintza

Simplest thing is to go back to your old insurer (assuming they play ball and aren't hugely out of line on price).

Moving insurers is a pain at the best of times without having an argument later on when they deny all knowledge of your call when you explained the situation and are still demanding proof of current NCB.

mkirkby

When you get a new quote, also remember to try putting your wife on the insurance as a named driver as well. It usually puts the insurance quote down.

Statistics all point to a lowering of accident probability with a spouse on the policy.